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Debt Relief in Hamilton - Downtown: Licensed Insolvency Trustees

At Spergel, we have been helping Canadians gain financial freedom and debt help in Hamilton for over thirty years. Our experienced Licensed Insolvency Trustees are experts in debt solutions and credit counselling. We provide debt relief options in Hamilton including consumer proposals, debt consolidation, and bankruptcy. If you are struggling financially, visit our office in Hamilton, Ontario for debt help downtown and in the neighbouring regions of Ancaster, Dundas, Jerseyville, Millgrove, and Stoney Creek.

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Learn more about debt help in Hamilton - Downtown

If you need debt help, visit our downtown Hamilton office to learn more about the available debt relief options for you. At Spergel, our team of knowledgeable and empathetic bankruptcy trustees welcome you in for financial discussions. We will work with you to understand your unique circumstances, reviewing everything from appropriate debt solution options to budgeting and credit counselling. We offer flexible appointments in Hamilton for your convenience, and our reputable Licensed Insolvency Trustee, Trevor, can work to reduce your debt by up to 80%.

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Hamilton – Downtown
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Book your free phone consultation with our caring team to discuss your options and start your journey towards financial freedom.

Trevor has been offering debt help in Hamilton and south west Ontario as a Licensed Insolvency Trustee for over twenty years. With such strong experience in helping both individuals and businesses gain debt relief, Trevor has been featured in both TV and print. You can find his interviews in both the Globe and Mail and CHCH. He offers a compassionate approach to all clients, and is well known for his practicality, working to find solutions to every financial problem. This could be filing bankruptcy in Hamilton, a consumer proposal, or other debt management solutions. When he is not helping clients gain financial freedom, Trevor enjoys running and is often found trail running in the Dundas Valley.

Consumer Proposals in Hamilton - Downtown

A consumer proposal is a government backed form of debt relief, and a great bankruptcy alternative. For debt help in Hamilton, consumer proposals are a legal form of debt consolidation that can reduce your debt by up to 80%. Consumer proposals consolidate debt into a single, manageable monthly payment and stop collection calls through a stay of proceedings. While you need a Licensed Insolvency Trustee to file a consumer proposal in Hamilton, your trustee will make negotiations on your behalf, enable you to keep your assets, and stop penalties, wage garnishments, and interest. At Spergel, our Licensed Insolvency Trustees have a 99% acceptance rate on consumer proposals. You will also have your own dedicated bankruptcy trustee to walk you through the entire process. Learn how to file a consumer proposal with our Hamilton team today.

Talk to our Hamilton Licensed Insolvency Trustee, Trevor

TALK TO OUR TRUSTEE, Trevor

Bankruptcy in Hamilton - Downtown

Bankruptcy is often considered to be the last resort when it comes to debt relief, but sometimes it is essential on the pathway to financial freedom. Bankruptcy is the process of assigning any non-exempt assets to a Licensed Insolvency Trustee in exchange for the clearance of any outstanding unsecured debts you may have. If you are considering bankruptcy in Hamilton, our experienced team can help you to determine if it is the best option for your circumstances. Bankruptcy can only be filed by a Licensed Insolvency Trustee in Canada, so it is worth booking a free consultation to discuss how to file bankruptcy beforehand. In our Hamilton office, we have been helping Canadians through the bankruptcy process for over thirty years. We will assign you your very own trustee to walk you through each step of your journey to gaining debt relief. 

Talk to our Hamilton Licensed Insolvency Trustee, Trevor

TALK TO OUR TRUSTEE, Trevor

Debt Consolidation in Hamilton - Downtown

If you are struggling with overwhelming debts like credit card debt, a debt consolidation in Hamilton may be a good option for you. Whether a debt management plan or a debt consolidation loan is best, our Hamilton Licensed Insolvency Trustees at Spergel can help you. A debt consolidation loan is a new loan that is taken out to condense all other debts into one, most often at a lower interest rate. Debt consolidation in Hamilton can help to simplify and lower your overall debt payments. A bankruptcy trustee can help you to understand your debt restructuring options and the pros and cons of each, as well as other forms of debt relief. Reach out to Spergel today to understand your debt consolidation options.

Talk to our Hamilton Licensed Insolvency Trustee, Trevor

TALK TO OUR TRUSTEE, Trevor

Tax Debt Relief in Hamilton - Downtown

Tax debt is a complicated form of debt, and it needs to be handled in the right way to avoid the powers of the Canada Revenue Agency. While tax debt is relatively common in Hamilton and the rest of Canada, it is important to know that you can still gain tax debt relief. Ignoring tax debt can lead to further problems with the CRA, and so it is best to tackle it immediately. If you suspect you will have issues with tax debt, reach out to Spergel straight away. Only Licensed Insolvency Trustees in Hamilton have the legal ability to offer tax debt relief. At Spergel, we will negotiate directly with the CRA on your behalf, help you with a tax debt repayment plan, and permanently stop tax penalties and interest. As well as reducing your overall tax debt, we will stop wage garnishments and work to unfreeze your bank account.

Talk to our Hamilton Licensed Insolvency Trustee, Trevor

TALK TO OUR TRUSTEE, Trevor

Wage Garnishment in Hamilton - Downtown

A wage garnishment is often not the most helpful act against you when you are already battling overwhelming debt, be it credit card debt or payday loans. By having a decreased income, paying back your debts is only going to become more difficult. At Spergel, we can help to stop your wage garnishment in Hamilton with a stay of proceedings. A stay of proceedings is achieved by filing either bankruptcy or a consumer proposal, and it legally prevents creditors from contacting you. We can also stop interest and penalties on top of your existing debt. It is important to contact a Hamilton bankruptcy trustee immediately to stop your wage garnishment, recover your income, and gain debt help.

Talk to our Hamilton Licensed Insolvency Trustee, Trevor

TALK TO OUR TRUSTEE, Trevor

Credit Counselling in Hamilton - Downtown

If you are in need of credit counselling in Hamilton, we offer credit counselling to advise on both budgeting and debt management, as well as gaining debt relief. At Spergel, our team of reputable Licensed Insolvency Trustees are experienced in filing bankruptcy and consumer proposals. We will work with you to review your financial circumstances and recommend the best form of debt relief for you. We will also explain money management skills, and work with you to create a manageable debt repayment plan. As well as tailoring each credit counselling session around you, we will advise you on your credit report and the best ways in which to rebuild your credit report.

Talk to our Hamilton Licensed Insolvency Trustee, Trevor

TALK TO OUR TRUSTEE, Trevor

Why Choose Spergel For Debt Relief in Hamilton?

With over thirty years of experience in providing debt help in Hamilton, Spergel has one of the most reputable teams of Licensed Insolvency Trustees in Canada. As the only professionals legally able to administer both bankruptcy and consumer proposals, our bankruptcy trustees will ensure you are on the pathway to a fresh financial future. Whether you need to stop wage garnishment, need advice on money management, or to break your cycle of debt repayment, our caring team will help you. At Spergel, we have an A+ accreditation on the Better Business Bureau, and locations across Canada. Book a free consultation with one of our team to begin your journey to debt help in Hamilton today.

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Find debt help near you

At Spergel, our Licensed Insolvency Trustees are always available to meet with you. We offer services in 34 locations because we believe debt help should be close to home.